Google запустила платежный протокол для ИИ с поддержкой стейблкоинов

RBK-cryptoPublished on 2025-09-16Last updated on 2025-09-16

В разработке системы участвовала криптобиржа Coinbase и представители Ethereum Foundation

Google запустила новый платежный протокол, предназначенный для передачи средств между ИИ-агентами, передает Fortune. Система поддерживает как традиционные способы оплаты (например, банковские карты), так и стейблкоины.

Стейблкоин — это криптовалютный токен, привязанный к курсу другого актива, например золота или нацвалюты. Общая рыночная капитализация стейблкоинов составляет $294 млрд.

Наибольшую долю рынка занимают токены USDT от Tether ($170 млрд) и USDC от Circle ($70 млрд). Бизнес-модель большинства из долларовых стейблкоинов основана на покупке казначейских облигаций США в качестве обеспечения.

Для реализации поддержки стейблкоинов Google сотрудничала с криптобиржей Coinbase, разработчиками из Ethereum Foundation и рядом других Web3-компаний. Всего в создании различных компонентов протокола участвовали более 60 организаций, включая American Express и Etsy.

Протокол с открытым исходным кодом позволяет ИИ-агентам (алгоритмам, действующим от имени пользователей) безопасно и прозрачно обмениваться платежами. Такие взаимодействия могут использоваться, например, в сценариях, где ИИ-ассистент по покупкам общается с цифровой витриной продавца или ИИ-консультант по ипотеке — с банком.

ИИ-агенты: что это такое и как они работают

В апреле Google выпустила протокол, который создает стандартные средства для взаимодействия различных агентов друг с другом, рассказал журналистам глава Web3 в Google Cloud Джеймс Троманс. По его словам, на том же протоколе основано новое платежное решение.

Телеграм-канал «РБК-Крипто» — подпишитесь и будьте в курсе самых главных и актуальных новостей о криптовалюте.

Присоединяйтесь к форуму «РБК-Крипто» в Telegram для обсуждения новостей и тенденций криптомира.

Решения компании гарантируют, что транзакции между двумя агентами с искусственным интеллектом безопасны и соответствуют намерениям людей с обеих сторон, сказал Троманс. Он добавил, что Google разработала свои протоколы «с нуля».

О том, что Google и другие бигтехи, включая Apple и X, начали интересоваться возможной интеграцией стейблкоинов в платежную инфраструктуру, сообщали в Fortune еще в начале июня. Интерес техгигантов связан с возможностью снизить комиссии и упростить международные переводы.

Эксперты считают, что рынок стейблкоинов может вырасти в десятки раз в ближайшие пару лет. Прогноз основан на новой политике администрации президента США Дональда Трампа, одним из приоритетных направлений которой стало развитие рынка долларовых токенов.

ЦБ усилит мониторинг крипторынка и ужесточит борьбу с мошенниками

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